Online Bill Pay Basics
Q: What is Online Bill Pay?
A: It’s a service from First National Bank of Northern California that streamlines the back-office functions of your small business and allows you to make payments to virtually any individual or company through your online banking account.
Q: Why is Online Bill Pay better than personal bill pay?
A: Online Bill Pay was designed specifically to meet the needs of today’s small businesses. In addition to making payments, you can run customized reports, delegate tasks and set permission controls. It all adds up to give you more resources you need and more time to focus on your business.
Q: Who can I pay with Online Bill Pay?
A: You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. Examples include utilities, office supply bills, consultants or independent contractors.
Q: How are online payments delivered?
A: Most payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks mailed via the U.S. Postal Service.
Q: Is Online Bill Pay secure?
A: It’s one of the safest ways for your business to pay bills. Online Bill Pay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases privacy because only you can access your account information, account numbers and payment history.
Q: How long does it take before a payment is received?
A: Generally, your payment is received within two to seven days, depending on whether it is sent electronically or via paper check.
Q: How are the scheduled payments processed with Online Bill Pay?
A: Most scheduled payments are sent electronically and funds are withdrawn from your account on the payment date.
Q: What are the primary benefits of Online Bill Pay?
A: The major benefits are true control and total convenience for you. This means you’ll be able to:
- Pay your business’s bills and view payment activity anytime, anywhere
- Delegate the payment responsibilities you want to
- Set permission controls so you maintain the final say
- Quickly run customized reports with the information your business needs
- Reduce your paperwork and bookkeeping
- Maintain more control over cash flow
- Increase your security over mailing checks
How to Get Started
Q: How do I enroll for Online Bill Pay?
A: To enroll, complete the online enrollment form. Or call us at 877-308-0245 and we will help set you up.
Q: How do I start using Online Bill Pay?
A: First, you need to enroll to activate your Online Bill Pay account. If you haven't enrolled, please follow the instructions shown above.
If you have enrolled, you can set up payees and start making payments in a few easy steps:
- Go to the “Payees” tab
- Click “Add a Payee”
- Choose to add a company, individual, or bank or credit union
- Complete form by providing requested information about payee and click “submit payee“
- Then click “schedule a payment to this payee”
Using Basic Features
Making bill payments
Q: Does Online Bill Pay have Quicken/QuickBooks integration?
A: Yes. You can import payees from Quicken or QuickBooks directly into your Online Bill Pay account.
Q: Can I set up recurring payments?
A: Online Bill Pay allows you to set up recurring payments for bills that are consistent every month. Examples include insurance payments, contractual payments or your office lease.
Q: Can I pay multiple invoices at once?
A: Absolutely. With extended remittance you can send a single payment for multiple invoices from a single vendor.
Delegating tasks and setting permission controls
Q: What kinds of payment responsibilities can I delegate?
A: You can delegate the payment responsibilities you want, such as paying utilities and suppliers, running reports or accessing payment history.
Q: What kind of permission controls can I set?
A: Specify who can make payments, which payments they can make and the maximum payment amount. You can also set up final approvals so you give the go-ahead before any payments are made.
Q: What kind of customized reports can I run?
A: You can run reports that allow you to:
- Have the audit information you need
- Review your spending
- View the payment activity of your authorized users
Q: How can I use the account-to-account transfer feature?
A: This feature allows your small business to transfer money from different accounts. These can be set up as a one-time single transfer or recurring transfers. You can also move funds back and forth between your personal and business accounts to help facilitate operations.
Q: What are the major benefits of this feature?
A: Account-to-account transfers provide you with:
- Quick and flexible method for improving cash flow
- Anytime, anywhere transfer of funds
- Less expensive option than wire transfers
Q: How can I use the payroll automation feature?
A: You can automate your payroll and expense reimbursement, saving time, improving organization and enhancing control. That means no more manual calculations, spreadsheets or check-writing.
Q: What are the major benefits of this feature?
A: Payroll automation provides you with:
- Online access so you can handle payroll anytime, anywhere
- Payroll history that's automatically updated and stored for you
- Filter options that allow you to set salaried and hourly employee compensation parameters
- Reminder emails that help you stay on top of when payroll is due